{
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          "state": "MN"
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          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "MI",
          "MN",
          "MO",
          "PA",
          "SD",
          "TX",
          "WA",
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            "state": "AZ",
            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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          {
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MO",
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "SD",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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          {
            "state": "WI",
            "confidence": "lender_reported"
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          "state": "FL"
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        "licensed_since": {
          "year": 2019,
          "state": "FL"
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        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 3, 2019 (Florida), per state regulator",
        "States 45 years of experience (lender page, 2026-10-09)"
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        "full_name": "Stacy Fridal",
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          "name": "Guild Mortgage",
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          "type": "imb"
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          "city": "Fort Collins",
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        "licensed_states": [
          "CO",
          "FL",
          "MO",
          "WY"
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        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
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          {
            "state": "WY",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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            "slug": "reverse",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2008-10-06",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2008,
          "state": "CO"
        },
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/co/fortcollins/stacy-fridal-629-chsf.html",
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        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 6, 2008 (Colorado), per state regulator",
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        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/co/fortcollins/stacy-fridal-629-chsf.html"
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      "score": 59.8,
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        "slug": "tom-hammond-453399",
        "full_name": "Tom Hammond",
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        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
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          "state": "NC"
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        "licensed_states": [
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          "GA",
          "MO",
          "NC",
          "SC",
          "TN",
          "TX",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "WV",
            "confidence": "lender_reported"
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        ],
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        "languages": [],
        "specialties": [
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            "slug": "reverse",
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        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-4357/thomas-hammond/",
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      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 20 years of experience (lender page, 2026-10-09)"
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/charlotte-nc-4357/thomas-hammond/"
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      "match_status": "exact",
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      "unconfirmed_specialties": []
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      "score": 59.8,
      "loan_officer": {
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        "slug": "kerry-decesare-1031758",
        "full_name": "KC DeCesare",
        "canonical_url": "https://lendb.ai/lo/kerry-decesare-1031758",
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        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
          "city": "Las Vegas",
          "state": "NV"
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        "licensed_states": [
          "AZ",
          "CO",
          "GA",
          "KS",
          "MO",
          "NV",
          "TX"
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        "licenses": [
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            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "lender_reported"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2024-03-26",
          "state": "FL"
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        "licensed_since": {
          "year": 2024,
          "state": "FL"
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        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/las-vegas-nv-5249/kerry-decesare/",
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      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
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        "Earliest state license record: March 26, 2024 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
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        "eligible": true,
        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "lender": {
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          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
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        "branch": {
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          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MN",
          "MO",
          "NM",
          "OH",
          "OK",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
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        "licenses": [
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            "state": "AR",
            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
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            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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          {
            "state": "WI",
            "confidence": "lender_reported"
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          "state": "FL"
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        "licensed_since": {
          "year": 2011,
          "state": "FL"
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        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
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        "Earliest state license record: March 25, 2011 (Florida), per state regulator"
      ],
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        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.fairway.com/lo/dawn-pemberton-162320"
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        "full_name": "Julie Vari Adams",
        "canonical_url": "https://lendb.ai/lo/julie-adams-1496369",
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        "lender": {
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          "type": "imb"
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          "CO",
          "KS",
          "MO"
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        "licenses": [
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            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "KS",
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            "state": "MO",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
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          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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            "slug": "reverse",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2019-02-08",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2019,
          "state": "CO"
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        "years_experience": null,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/julie-adams",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 8, 2019 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/julie-adams-1496369",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.leaderonefinancial.com/mlo/julie-adams"
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      "matched_specialties": [
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      "unconfirmed_specialties": []
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      "score": 53,
      "loan_officer": {
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        "slug": "alexander-carriker-1283419",
        "full_name": "Alex Carriker",
        "canonical_url": "https://lendb.ai/lo/alexander-carriker-1283419",
        "json_url": "https://lendb.ai/lo/alexander-carriker-1283419.json",
        "lender": {
          "nmls_id": 134871,
          "name": "Highlands Residential Mortgage",
          "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871",
          "type": "imb"
        },
        "branch": {
          "city": "Springfield",
          "state": "MO"
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        "licensed_states": [
          "KS",
          "MO"
        ],
        "licenses": [
          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-05-09",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "FL"
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        "years_experience": null,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/alex-carriker/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Office in Springfield, MO",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 9, 2024 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/alexander-carriker-1283419",
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        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.highlandsmortgage.com/agents/alex-carriker/"
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      "matched_specialties": [
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      "unconfirmed_specialties": []
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      "score": 52.8,
      "loan_officer": {
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        "slug": "richard-stewart-1428112",
        "full_name": "Richard Stewart",
        "canonical_url": "https://lendb.ai/lo/richard-stewart-1428112",
        "json_url": "https://lendb.ai/lo/richard-stewart-1428112.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
          "city": "Greenwood Village",
          "state": "CO"
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        "licensed_states": [
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          "AL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "LA",
          "MN",
          "MO",
          "MT",
          "NV",
          "OK",
          "OR",
          "TX",
          "WY"
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        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2016-01-06",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2016,
          "state": "CO"
        },
        "years_experience": 10,
        "lender_profile_url": "https://crosscountrymortgage.com/greenwood-village-co-3144/richard-stewart/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 6, 2016 (Colorado), per state regulator",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/richard-stewart-1428112",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/greenwood-village-co-3144/richard-stewart/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "reverse"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 39527,
        "slug": "patrick-stoy-39527",
        "full_name": "Patrick Stoy",
        "canonical_url": "https://lendb.ai/lo/patrick-stoy-39527",
        "json_url": "https://lendb.ai/lo/patrick-stoy-39527.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Wilmington",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "KY",
          "MN",
          "MO",
          "MT",
          "NC",
          "NM",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-11-09",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 9, 2022 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/patrick-stoy-39527",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "reverse"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 10,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 114080,
        "slug": "arthur-buhrer-114080",
        "full_name": "Arthur Buhrer",
        "canonical_url": "https://lendb.ai/lo/arthur-buhrer-114080",
        "json_url": "https://lendb.ai/lo/arthur-buhrer-114080.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Sequim",
          "state": "WA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AZ",
          "CA",
          "CO",
          "HI",
          "ID",
          "MO",
          "MT",
          "NC",
          "ND",
          "OR",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-01-14",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2022,
          "state": "CO"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/sequim-wa-5532/arthur-buhrer/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 14, 2022 (Colorado), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/arthur-buhrer-114080",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/sequim-wa-5532/arthur-buhrer/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "reverse"
      ],
      "unconfirmed_specialties": []
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  ]
}